I have a Canadian credit card with unauthorized transactions

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3 posts
nui14
 
Posts: 2
Joined: Thu May 10, 2012 12:04 pm
Location: Paris

I have a Canadian credit card with unauthorized transactions

Postby nui14 » Thu May 10, 2012 12:57 pm

Hi everyone please help me, i'm really in trouble now.

I have 1 Mastercard from Canada (BMO). And now I'm working in France and still use it from time to time, 2 days ago I tried to access to my online banking with this card but it said "this card has been suspended, please contact the bank"

I called BMO bank yesterday (9th) from France. The first 2 assistant didn't want to give me any information of my statement.They said the card suspended because I'm over credit. But since April I never use this credit card and I'm never overdue. They only said I have to present myself at any BMO branch with 2 pieces of ID and then they can verify with me. I told them but I'm working in France now I can't go there. They just said "I'm sorry but you have to come to the branch. (but at some point 1 of the assistant said "it's 3,000$ that you had spent) :(

I called the 3rd time and ask to talk with the supervisor. I explained again that I didn't purchase anything since April, how come it's over credit. and also said i can't go to the bank in Canada now because I'm in France for work. She asked me when I will go back I told her not in another year. She said she will put a note on my profile that I have called them and she will call the security department and said when I get back to Canada next year, come to present myself at the bank.

At that time I'm a bit confuse, don't know what to do or to ask (and still now) so I'm accepted her suggestion but after that I feel this is not right. if I wait 1 more year to do something it means I accept all the debt that I didn't make.

called again the 4th time, at the beginning they don't want to let me talk with the supervisor again. they said I already called and she already said what I have to do. I told the assistant I can't wait to solve this problem in a year. it's about my security and my future credit and I choose to use online banking because it's not convenient for to go to the bank. And I asked them what about the interests that gonna increase every month until I can go to Canada.

So now they started to say right now we can't verify anything because the transactions are still unauthorized but call back in next 5 business days (next Wednesday 16th May) and the next assistant will verify with me which transaction are mine and are not.

Now I'm waiting for the next Wed. but I dont know it's the right thing to do or not. Anyone! give me advices, pls.

Thank you so much


JCarter
Centurion Member
Centurion Member
 
Posts: 323
Joined: Thu Mar 15, 2012 10:40 pm
Location: Virginia

Postby JCarter » Thu May 10, 2012 2:32 pm

Obtain a verification of identity, and a police report from the French authorities. Take it to the Canadian consulate or embassy and have it faxed.

nui14
 
Posts: 2
Joined: Thu May 10, 2012 12:04 pm
Location: Paris

Postby nui14 » Thu May 10, 2012 3:44 pm

To JCarter, can i do the police report even I don't have any paper (bank statment) to show all the transactions that I didn't make.



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